that i think we can both understand -- lousy at services mortgages? >> okay. i've not had any discussions about that particular issue. but i will look it up. find out what's going on. >> so, as you look it up, i'd also like you to get back to me, if you don't mind, to explain the disparity in reo rates. do you know what an reo? >> an oreo -- >> not an oreo. reo. >> real estate. >> what does the "o" stand for? owned. real estate owned. that's what happens when a property goes to foreclosure. we call it an reo. >> one thoughs what they were talking about. and the freshman democrat tagged this, oh, reo! thanks, katie porter. enjoying a few posthearing snacks. sending some your way.